Applications / Mortgage Analytics / Lenders / Colorado / Credit Union of Colorado
Denver, CO · Credit union · NCUA · $2.6 billion assets · 1,405 loans in 2025
Credit Union of Colorado's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,405
loans originated, 2025
2,269
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Credit Union of Colorado lends mostly to existing homeowners, with 74.9% of its loans refinances, and lends to LMI (low- and moderate-income) borrowers and areas more than most similar credit unions.
Refinances made up 74.9% of its loans, other purposes 21.1% and home purchase only 4.1%. All its loans were conventional, as at similar lenders (credit unions making between half and twice as many loans). Its typical loan, $105,000, matched theirs, and was smaller than the $155,000 of five years before.
LMI borrowers took 36.9% of its loans, against 27.1% at similar lenders, higher than about nine in ten of them. Loans in LMI areas were 20.3%, against 14.9%, also higher than most; that share was 23.0% a year earlier. These figures matter to bankers measuring lending under the Community Reinvestment Act.
It made 1,405 loans, 6% fewer than the year before, while similar lenders grew 9% and the whole market 10%. Its dollar total still rose, from $188.3 million to $200.2 million, as its typical loan grew from $95,000. With three-quarters of its loans refinances, a typical rate of 7.25% against 3.50% five years before may account for some of the fall from 2,356 loans in 2020.
It ranks 76 of 754 lenders in Denver-Aurora-Centennial, CO, with an unchanged 0.3%, and 21 of 268 in Grand Junction, CO, where its share eased from 1.3% to 1.1%, possibly as other lenders grew faster there.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Credit Union of Colorado took 2,269 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 74.9% · Other 21.1% · Purchase 4.1%
Conventional 100.0% · of 1,405 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 1,364 | 97.1% |
| New Mexico | 12 | 0.9% |
| Kansas | 11 | 0.8% |
| Utah | 6 | 0.4% |
| Nebraska | 4 | 0.3% |
| Wyoming | 4 | 0.3% |
| Idaho | 2 | 0.1% |
| Montana | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 711 |
| Grand Junction | 125 |
| Greeley | 118 |
| Pueblo | 73 |
| Fort Collins-Loveland | 65 |
| Colorado Springs | 47 |
| Boulder | 18 |
| Albuquerque | 5 |
| Kansas City | 4 |
| Wichita | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ABEFRFKC9S8368 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 867995 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564588 | 1990–2013 |
| Respondent ID (the HMDA filer code before 2018) | 524854 | 2014–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Credit Union of Colorado's data.
Credit Union of Colorado's data
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Credit Union of Colorado and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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